I use it exclusively now instead of AmEx.
I got a bit more cashback with AmEx, but the constant “I wonder if they accept it” got a bit tiring.
Edge pays me a consistent £12pm net, which is fine for me - and it has no fees for use abroad.
1 Like
Thanks. I have a few credit cards already one with RBS which is fee free abroad and good for all the notifications being instant. It’s my oldest account so I’ll probably keep it regardless but it might lose out to Santander now given it’s fee free abroad!
Another is with HSBC which is literally no frills and would be closed if I hadn’t grabbed it to book tickets for a big trip (wasn’t thinking of cashback etc at the time) so it’s likely to become dormant staying solely in case of refunds.
I also have Monzo Flex which feels like it has an alternate purpose of spreading the cost of online purchases and I don’t have the physical card.
This one I’d try to use for my monthly spend. Leaving a budget sat next to it in the Santander current account. I can’t utilise the Edge current account as my bills are paid by direct debit elsewhere with a partner.
I just don’t want it to become a spending target, so if I spent less and got less cashback I’m still up overall beyond the break even point? Just wanting cashback for what I actually do spend and I guess I could top the spend up with the odd “I’ll pay and you guys pay me back” or one off style purchase.
This is the important bit!
I got it to also cover the transactions excluded by Chase.
I made a complaint over something and got £40 compensation, so effectively, mine is now fee free for 13 months 
1 Like
It’s working for me. I used to use the amex everyday cashback and used it for just under 50% of my spending in 2023. I’ve worked out that, even when the cashback drops to 1% next year on the edge card, the rate of cashback will still be better than the amex even if I was able to use it for all spending. I use the edge card for all spending and as a previous poster says, it’s less strict than chase on what it counts as cash like transactions.
1 Like
Santander have launched a SIPP
Fees start at 0.35% on balances up to £50,000, 0.2% on balances between £50,001 and £500,000, and 0.1% on balances above £500,001.
Santander says pension savers can choose from up to 850 funds to invest in
2 Likes
Turns out it was because I switched an account into Santander which reset the date for the fee for some reason (customer service said I had upgraded my account). Not bothered in the end considering it means I just got a free month.
1 Like
Do Santander do some sort of “paid early” process. I banked with them as a younger man but never noticed. My salary is showing dated as tomorrow, but credited to my account as of about 10pm tonight. Seems to be some old references to this on MSE Forum but nothing recent?
Not that I am aware of.
They pay BACS payments early if they are due on a non working day in my experience.
Unless ive not been paying attention, I always get the payments the night before, even on working days.
1 Like
Twas due “today” but got it last night. Got some expenses coming in so will have a look at those too.
I think the app offering has improved a lot since 2016 - whether I keep using it long term I’m not sure but for now I’ve hit the switch criteria.
I don’t think it brings it forward over the entire weekend like Monzo or Revolut would when a payment fell on a Monday.
Weird. I never have. But then I’m never not paid on a working day. But it always comes between midnight-02:00 the day I’m paid.
How odd - from what I read on MSE it seems to be 9pm if it’s due the next working day in the week. Or 10pm if it’s a Sunday when due Monday.
That thread was pretty old though 
I read once upon a time it’s because of the time zone Santander runs on (Europe?) which is why it comes through sooner.
Could be wrong but could also make sense.
1 Like
I’ve heard Santander did, and Barclays did. They definitely either do not now, or do not for everyone because I absolutely get paid only on the day it’s due and never before.
1 Like
I was recently speaking to somebody I know and Santander Select arose in our conversation.
Out of curiosity, does anybody know if this product is still around?
I’ve never ever had dealings with them as a bank, however this person is satisfied with what they offer.
1 Like
It’s no longer a product, more like a customer flag tacked on to your profile to enable quicker phone customer service and very little else. Think Barclays Premier from around 6+ months ago.
1 Like
I looked into this since my wife is with them, but I couldn’t really see the point of moving from HSBC for this. Doesn’t seem to really offer much from standard as far as I could tell.
I never understood Santander Select.
No special card and not really any special benefits
1 Like
There is the Santander World Elite Credit Card but that’s it.